农村信用社是农村金融的主力军,其发展正面临着难得的历史机遇,但信贷风险大,信贷资产质量不高一直束缚着农村信用社的发展。这既有体制和经济环境的原因,又有信用社内控机制不够完善的因素。要防范化解信贷风险,不但要创立良好的外部环境,让信用社按市场规律和金融制度办事;主要从信用社自身入手,完善内控制度,建立科学完整的信贷风险防范体系,以确保农村信用社健康、稳定地发展。 Rural credit cooperatives are the main force in rural finance. Its development is facing a rare historic opportunity. However, the credit risk is high and the quality of credit assets is not high, which has always constrained the development of rural credit cooperatives. This has both the reasons for the system and the economic environment as well as the factors that make the internal control mechanism of credit cooperatives not perfect. To prevent and mitigate credit risks, we must not only create a favorable external environment for credit unions to act according to the laws of the market and the financial system; start with the credit unions themselves, improve the internal control system and establish a scientific and complete credit risk prevention system to ensure that rural credit unions Healthy and stable development.